???????? "That's how it is. It's been half a month since I made an appointment to withdraw money, but I still haven't got a penny. And judging from the bank's attitude, I guess,
Even if you don’t get the money in another half a month.”
????????? Jiang Bai briefly explained the whole story of the matter and gritted his teeth and said, "I want to sue the bank, Luo Dajue, is this matter not punishable?"
????????? His face looked very ugly - anyone who encounters such a thing will get angry.
??????????? This half month has completely exhausted Jiang Bai's patience.
??????????? Now he not only needs to get his own money back as soon as possible, but also let the bank get punished. Otherwise, other depositors may encounter similar things in the future.
???????? Jiang Bai was quite lucky, withdrawing money was just for charity.
What if someone withdraws money to save his life?
??????????? Not to mention delaying for half a month, even three to five days is enough to kill you!
????????? Luo Dazhang looked at him and shook his head and said, "I know you are very angry now, but calling the police or prosecution will not have a good effect. It will not cure the symptoms."
???????? "Banks can find reasonable excuses to excuse themselves. If they fail, they will just launch two ‘temporary workers’ to take the blame, which will be enough to deal with it."
???????? Jiang Bai frowned.
He also understands this principle.
????????????? When something happens to a company, you can always find a scapegoat. This routine is no longer a strange thing.
Take Jiang Bai's case for example. Even if he really sued, the court really filed a case. In the end, at best, he could only deal with the lobby manager and account manager level.
Small fish and shrimps.
??????????? The bank will issue a notice someday, saying that "the xx employee is still in the probation period, is not skilled in his business, has been fired and will never be hired." Then he can get himself clean.
?????????? The bank executives who really cause this situation will not be affected.
??????????? Which one is more serious!
????????? "Luo Dazhe, what do you think you should do?" Jiang Bai asked.
????????? Luo Dazhe's mouth slightly raised and slowly spit out three words:
????????? "Bank and Insurance Regulatory Commission!"
???????????Bank and Insurance Regulatory Commission, full name is the Banking and Insurance Regulatory Commission. It was established in 2018. Its main responsibility is to uniformly supervise and manage the banking and insurance industries in accordance with laws and regulations, and maintain the legality and stability of the banking and insurance industries.
Operation, prevent and resolve financial risks, protect the legitimate rights and interests of financial consumers, and maintain financial stability.
??????????? Simply put, the Banking and Insurance Regulatory Commission is the direct regulatory department of the banking and insurance industries.
????????? In layman's terms, that's the real father!
?????????????When faced with the police and the court, the bank may have n solutions, but if it is his own father, the bank will not even have the chance to struggle.
????????? So when a bank infringes occurs, the most reasonable and effective way is to complain to the Banking and Insurance Regulatory Commission!
??????????? After listening to Luo Dazhang’s introduction to the Banking and Insurance Regulatory Commission, Jiang Bai understands.
????????? Indeed, if a naughty child is not honest, he has to find his biological father!
?????????? There are two common ways to report complaints and reports in the Banking and Insurance Regulatory Commission.
??????????One is to call the 24-hour complaint number 12378.
?????????? One is letters and petitions and complaints.
????????? But Jiang Bai chose another one and complained offline.
??????????? The branch of the Banking and Insurance Regulatory Commission in Longcheng is the "Zhejiang Provincial Banking Regulatory Bureau of the Banking and Insurance Regulatory Commission". It is located in Shangcheng District, just across the Qianjiang River from Jiang Bai.
Anyway, he brought all the materials and went there in person.
?????????? Compared with the Health Commission, Taxation Bureau and other departments, the reporting center of the Banking Regulatory Bureau is much more deserted.
?????????? Because many people don’t know the existence of this department at all.
???????????????? When something happened to the hospital, everyone knows to contact the Health Commission.
??????????? When reporting tax evasion, everyone knows to contact the Tax Bureau.
??????????? I was cheated by unscrupulous merchants, and everyone knows to contact the Consumer Association and the Industrial and Commercial Bureau.
???????? But if the bank infringes on its rights, many people have no way to complain and don’t know where to complain.
??????????? Even if you complain, you will use telephone or petition.
?????????? Very few people directly complain and report.
????????? So the job of the Reporting Center of the Banking Regulatory Bureau is a leisurely errand. There may be no one coming from morning to night. It is more about answering calls, handling letters, etc.
????????today.
?????????? Xiao Chen, a clerk of the reporting center, checked the reporting letters he received as usual.
???????????'s expression was quite helpless.
????????? Because most letters of complaint are... hard to describe.
??????????? Some are handwritten, and the handwriting is sloppy and difficult to identify.
???????????? Some people write a lot of things but can't tell the topic.
?????????? Some people use a large number of subjective emotions, such as "garbage", "disgrace", etc., but after all, they have not explained clearly what happened.
??????????? Anyway, it's quite troublesome to deal with.
????????????Xiao Chen was busy, and he saw someone approaching the corner of his eyes.
???????? "Hello, I want to report it."
????????? Jiang Bai came to the window and said with a smile.
????????? Xiao Chen blinked and asked, "What is the specific thing? Is it from the bank or insurance?"
???????? "What I want to report is Longcheng Bank!"
???????? "On the x of this month, I went to Longcheng Bank to make an appointment to withdraw 5 million yuan. According to the appointment date, I went to the bank to withdraw money three days later, but I was told that I was not ready yet..."
???????? Jiang Bai briefly told the story.
??????????? After listening to his story, Xiao Chen frowned.
????????? According to Jiang Bai, he went to the bank six times in succession. After half a month, he still failed to get the money smoothly.
???????? And the excuses given by the banks are also very absurd.
?????????? No matter what, your bank is suppressing depositors' deposits and delaying them for half a month. It is unreasonable to say this matter if it is out of the blue.
????????? The so-called rules are not something you use like this.
????????? And the amount involved is as high as 25 million!
??????????? Xiao Chen suddenly became excited.
?????????? Finally, a "big case" came. Not to mention anything else, this amount alone is enough to attract the attention of the Banking Regulatory Bureau.
????????? "Mr. Jiang, please fill in this form," Xiao Chen asked quickly, "By the way, are you carrying your ID card, bank card and other documents?"
????????? "I brought all the documents, and there are two appointment withdrawal forms."
???????? Jiang Bai was well prepared.
?????????? Soon, he filled in the necessary information in the form, wrote in detail the whole story, and handed it in.
????????? Xiao Chen checked it and said, "Okay, Mr. Jiang, we have accepted your report. Please go back and wait patiently. Once there is any news, we will call to notify you."
????????"Thanks."
????????? Jiang Bai thanked him and turned around and left.
???????????? He doesn't need to worry about the next thing, and the Banking Regulatory Bureau will naturally deal with it.
?????????…
?????????? Soon, three days passed.
?????????? This day, Longcheng Bank, in the president's office.
????????? "Governor, are you looking for me?"
?????????? The account manager knocked in and bowed slightly.
??????????? Fan Haitian sat on a leather chair and said lightly: "Since our bank's financial reserves are under great pressure, we are in urgent need of cash in stock. If Jiang Bai comes to withdraw money again today, you must comfort him.
Emotions let him understand the difficulties we do.”
????????? "Yes, President." The account manager focused on the key points.
????????? "What do you mean by it? Do you need to teach you?" Fan Haitian asked.
???????? "I understand, please don't worry, the president."
?????????? The account manager quickly made a statement.
????????? His job is to maintain VIP customers in the bank, and he is best at this.
???????? "Okay, go."
??????????? Fan Haitian waved his hand and sent the account manager away. Then he picked up his cell phone and called his brother-in-law Meng Yu.
????????? "Doudu..."
??????????? The ringtone rang for a long time but no one answered it.
?????????? Fan Haitian frowned immediately.
??????????30 million, this is not 30,000 yuan.
???????????? Not to mention that you happen to encounter a big customer who wants to withdraw more than 20 million. Even if you don’t have this big customer, your bank will inexplicably lose 30 million, which is a very dangerous thing.
?????????? There is such a big gap in the capital chain, and it can be said that there is a possibility of collapse at any time!
????????? If the money is returned in time, it is easy to say.
????????? But it has been more than half a month, and I didn't even see the 30 million I should have returned.
??????????? If you continue to drag on, the risk factor will only increase.
??????????? Fan Haitian didn't make the phone call, and his face looked even more ugly.
?????????? If the news broke, I'm afraid he will have to spend the rest of his life in prison.
???????????? It was at this moment.
????????? "Dongdongdongdongdong!"
???????????? A burst of rapid knocks came.
?????????? "Jin." Fan Haitian frowned and said.
?????????? The account manager pushed the door and said in a panic: "Governor, the people from the Banking Regulatory Bureau are here!"
????????"What!???"
??????????? Fan Haitian stood up suddenly and his face changed drastically.
??????????Banks Supervision Bureau!
????????? This is the bank's real father.
?????????? What people who work in banks are most afraid of is dealing with people from the Banking Regulatory Bureau.
????????? Now it’s much more than just “dealing”, and everyone from the Banking Regulatory Bureau came to you directly!
????????? This sends a very dangerous signal.
?????????? Although the Banking Regulatory Bureau is the direct regulatory department of the bank, it does not "abuse its power" in normal times. Even if someone complains and reports, most of the time it just calls to find out and warns.
Urge banks to make corrections.
??????????? After all, banks are not ordinary small vendors. They involve people's livelihood stability and economic and financial order. They cannot do big moves casually.
????????? But this time, the Banking Regulatory Bureau directly sent an investigation team, and there was no news in advance.
???????? This is enough to show that this time it was serious.
???????? As the saying goes, don’t be afraid of ghosts knocking on the door if you don’t do bad things. Fan Haitian was already nervous and very uneasy. At this critical moment, the person from the Banking Regulatory Bureau suddenly came to him and he suddenly panicked.
??????????? Although the air conditioner was on in the office, fine beads of sweat were quickly seeping out of Fan Haitian's forehead.
????????? "How come people from the Banking Regulatory Bureau suddenly come over?"
??????????? At this moment, Fan Haitian still seemed to have a trace of fantasy in his heart.
??????????? The account manager swallowed and said, "The leader said that they received a report and came to investigate the unlimited delay in large withdrawals."
?????????? Hearing this, Fan Haitian's pupils suddenly shrank, his legs became weak, and he sat back on the chair.
????????? The face is extremely difficult to see.
??????????? If it were someone else, it might be over after a quarrel, but it was Jiang Bai who came to withdraw the money.
??????????? There is no need to think about this, he must have reported it to the Banking Regulatory Bureau!
?????????? It's so fucking!
?????????? The embezzlement of public funds was done secretly and could not stand the investigation at all. Every investigation was accurate.
??????????? If the people from the Banking Regulatory Bureau conduct an investigation, it is easy to find that someone embezzled public funds privately, resulting in a huge gap in bank reserve funds.
????????? And the initiator of all this will surely be without any hiding.
?????????? By then, everything will be finished.
????????? "Governor, President!"
??????????? The account manager shouted twice, and Fan Haitian came to his senses and said with a very fast speed: "You, go and hold the people from the Banking Regulatory Bureau!"
???????? "Ah? Why did you delay this..."
?????????? The account manager was stunned.
?????????? Fan Haitian stared at him and said, "I don't care what method you use, in short, I have to hold them back, at least for an hour! If you do it, I will give you the position of the vice president.
If you can't do it, you won't use it tomorrow!"
????????"yes!"
??????????? There must be brave men under heavy rewards.
??????????? Under the temptation of the position of deputy president, the account manager seemed to have been injected with chicken blood and instantly became energetic.
?????????? Then he turned around and ran out.
?????????? Fan Haitian picked up the car keys and walked out quickly while continuing to call Meng Yu.
But he made three consecutive calls, but the latter still did not answer.
????????"Oh shit!"
??????????? Fan Haitian came to the underground parking lot, opened the door of the BMW car and sat in, and slapped the steering wheel in anger.
?????????? Then start the vehicle and drive away from the underground garage.
???????????Dial call to my wife at the same time.
As soon as the phone was opened, Fan Haitian shouted loudly: "Can you contact your brother!?"
???????? "Ah? What did you say? Five points will be waiting, I will touch forty thousand!"
??????????? The crisp sound of mahjong collision came from the other end of the phone.
???????????? Fan Haitian's wife Meng Lan asked absent-mindedly while playing mahjong: "What are you doing with Xiaoyu?"
????????? Fan Haitian shouted: "Don't ask so much, can you contact him!"
????????? "You yell at me? Fan Haitianer, you are sick. How dare you yell at me!" Meng Lan's voice became sharp.
????????? "Meng Lan, I don't have time to joke with you. Tell me where Meng Yu is!" Fan Haitian was as anxious as an ant on the hot pan, his tone was urgent and fast.
????????? Meng Lan suddenly became even more unhappy and shouted at the top of his throat: "My surname is Fan, what do you mean? Take the gun and medicine? If you look for Xiaoyu, just call him directly, you
Why are you going crazy to me?"
????????"Grass!"
??????????? Fan Haitian cursed angrily, and then hung up the phone directly.
??????????? He really can't communicate with such a tiger-boosting old woman.
???????????? It's all burning my butt groove, and I'm still having a sensation there.
???????????? Fan Haitian then called his father-in-law.
????????? This time the communication was much smoother and I asked it clearly soon.
Meng Yu lives with his parents. He seemed to have drunk too much the night before, and now he is still sleeping at home.
After asking clearly, Fan Haitian kicked the accelerator and rushed towards his father-in-law's house.
??????????? It took him only twenty minutes to complete the entire journey.
After coming to my father-in-law's house, he didn't bother to be polite and went straight to the second bedroom.
????????? Meng Yu lay on the bed and fell asleep.
??????????? Seeing this scene, Fan Hai didn’t get a fight, and he rushed up to him and saw two big shots.
???????? Meng Yu woke up in an instant with a strange cry.
?????????? After rubbing his eyes, he looked at Fan Haitian with a confused look on his face: "Brother-in-law? Why are you here? No, why are you hitting me? It's crazy!"
?????????? Fan Haitian has no time to stumble here now and growled: "Repay the money! Return the money quickly!"
?????????”…!”
Meng Yu's expression suddenly became unnatural, and then he made a smile and said in a pleasing manner: "Brother-in-law, look at what you said, our family will not say two words,
You asked me to pay back the money now, it was really difficult, I... "
?????????? Fan Haitian waved his hand and directly interrupted him: "Don't talk nonsense! Now the people from the Banking Regulatory Bureau have already visited the bank to investigate. I'll pay back the money quickly. I'll take it back and fill it in.
Things may be over, otherwise I will go to jail!"
???????? "Ah..."
???????? Meng Yu was also panicked at the moment.
???????? "Why did the Banking Regulatory Bureau suddenly investigate you? Then what? If you found out that you lent me the money, would I go to jail?"
?????????? Fan Haitian was almost mad and grabbed Meng Yu's collar and pulled him up, "Where is the money? Where is my money? You agreed to be at most ten days, this
It's almost twenty days! Pay back the money quickly!"
????????? "Brother-in-law, listen to me. This matter is not yet time to despair, so there must be another way."
???????? "Then what, I have a Rolex and you can take it first. There are two soft Chinese in the bedside table. You can also take it away. Let's stabilize the people from the Banking Regulatory Bureau first."
???????? "As for money... money..."
???????? Meng Yu's eyes flashed.
????????? "Continue! Say!" Fan Haitian gritted his teeth and roared in a low voice.
????????? "Gudu!"
Meng Yu swallowed his saliva and said weakly: "The company's capital chain is getting bigger and bigger, and the money... can't be taken out for the time being."
????????? "I can't take it out for the time being...I can't take it out for the time being..."
??????????? Fan Haitian let go of his hand and took two steps back, slid to the ground against the wardrobe, his eyes were dull and his face was full of hopelessness.
????????? Even if this "temporary" is only one or two hours, it will be too late.
??????????? The account manager will definitely not delay it for long.
?????????? As long as the people from the Banking Regulatory Bureau investigate it slightly, this matter will be missed.